Travel Medical Insurance policy for non US-Citizens, traveling internationally including USA.
Atlas America Premium(A.M. Best Rating: A) is a premium travel medical insurance plan for international visitors traveling to the United States. It offers comprehensive medical coverage, access to the UnitedHealthcare PPO network, emergency travel assistance, and acute onset coverage of pre-existing conditions for eligible travelers. Coverage is available from 5 days to 365 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Atlas America Premium does not cover pre-existing conditions. Atlas America Premium includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America Premium policy documents for complete coverage details, exclusions, and limitations.
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
Acute Onset of Pre-Existing Condition Coverage
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Up to the policy maximum for those under the age of 80
Emergency Medical Evacuation
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Up to $1,000,000
Urgent Care Visits
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$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. Please review policy documents for more information.
Emergency Room Services
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Injury: Not subject to ER co-payment Illness: Subject to a $200 deductible if treatment does not result in a hospital admission
Emergency Dental Coverage
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Up to $300 for emergency dental accident and acute onset of pain. Not subject to the deductible.
Emergency Eye Exam Coverage
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Up to $150; $50 copayment (plan deductible is waived)
Prescriptions/Medication
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The plan pays 100% up to the policy maximum. Subject to Deductible and Coinsurance
Quarantine Indemnity
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$50/day; up to 10 days max. Must have a minimum of 30 days of coverage Proof of quarantine mandated by a physician or government official
Trip Interruption
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Up to $15,000
Trip Delay
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Up to $200/day (2 days maximum)
Lost Checked Luggage
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Up to $2,000
COVID-19 Coverage: Included
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Treatment for COVID-19 is covered if contracted after the policy effective date. Testing for Covid-19 is covered only if ordered by a physician. A Quarantine Indemnity benefit is offered under this plan. Vaccination/Boosters are not covered.
Pre-Existing Conditions: No Coverage
For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days in a policy period
Extendable for up to 365 days
Plan can be purchased after arrival at the destination
Residents & Citizens of UK may purchase coverage for a maximum of 119 days
Not Available for the following Destination Countries: Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Iran (IRN), Israel (ISR), Lebanon (LBN), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Uganda (UGA) & Ukraine (UKR).
Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR).
Not available for Citizens of: Cuba (CUB), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR).
Not available for purchase if the traveler(s) is physically present in {us_states_restrictions_phys}. The policy will still cover the traveler(s) visiting and temporarily staying in these U.S. states.
Not available to individuals who are physically located in the country of: Australia (AUS), Austria (AUT), Belgium (BEL), Bulgaria (BGR), Canada (CAN), Croatia (HRV), Cyprus (CYP), Czech Republic (CZE), Denmark (DNK), Estonia (EST), Finland (FIN), France (FRA), Germany (DEU), Greece (GRC), Hungary (HUN), Iceland (ISL), Ireland (IRL), Italy (ITA), Latvia (LVA), Liechtenstein (LIE), Lithuania (LTU), Luxembourg (LUX), Malta (MLT), Netherlands (NLD), Norway (NOR), Poland (POL), Portugal (PRT), Romania (ROU), Slovak Republic (SVK), Slovenia (SVN), Spain (ESP), Sweden (SWE) & United Kingdom (GBR).